UNITED STATES OF AMERICA BEFORE THE BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM WASHINGTON, D.C.

In the Matter of RICHARD N. DELONG A Former Institution-Affiliated Party of Mid America Bank and Trust Company Dixon, Missouri

Docket No. 07-016-E-I Order of Prohibition Issued Upon Consent Pursuant to Section 8(e) of the Federal Deposit Insurance Act, as Amended

WHEREAS, pursuant to sections 8(e) and (i)(3) of the Federal Deposit Insurance Act, as amended (the "FDI Act"), 12 U.S.C. §§ 1818(e) and (i)(3), the Board of Governors of the Federal Reserve System (the "Board of Governors") issues this Order of Prohibition upon the consent of Richard N. DeLong, former chief lending officer, director, and institution-affiliated party, as defined in section 3(u) of the FDI Act, 12 U.S.C. § 1813(u), of Mid America Bank and Trust Company, Dixon, Missouri (the "Bank"), a state member bank, relating to DeLong's alleged participation in unsafe and unsound practices and alleged breaches of fiduciary duty to the Bank involving the Bank's granting of loans to alleged nominee borrowers, to the Bank's granting of loans based on allegedly false purpose statements, to the alleged misapplication of loan proceeds, and to the alleged submission of false and misleading information to the Bank's board of directors. WHEREAS, DeLong resigned from his positions as chief lending officer and director at the Bank on January 12, 2007;

WHEREAS, DeLong signed a consent Order of Prohibition with the State of Missouri's Division of Finance, effective May 10, 2007, prohibiting him from participating in any manner in the conduct of the affairs of any bank, savings, or trust institution supervised by the Missouri Division of Finance; WHEREAS, by affixing his signature hereunder, DeLong has consented to the issuance of this Order by the Board of Governors and has agreed to comply with each and every provision of this Order, and has waived any and all rights he might have pursuant to 12 U.S.C. § 1818, 12 C.F.R. Part 263, or otherwise: (a) to the issuance of a notice of intent to prohibit on any matter implied or set forth in this Order; (b) to a hearing for the purpose of taking evidence with respect to any matter implied or set forth in this Order; (c) to obtain judicial review of this Order or any provision hereof; and (d) to challenge or contest in any manner the basis, issuance, terms, validity, effectiveness, or enforceability of this Order or any provision hereof. NOW, THEREFORE, prior to the taking of any testimony or adjudication of or finding on any issue of fact or law implied or set forth herein, and without this Order constituting an admission by DeLong of any allegation made or implied by the Board of Governors in connection with this proceeding, and solely for the purpose of settlement of this proceeding without protracted or extended hearings or testimony: IT IS HEREBY ORDERED, pursuant to sections 8(e) and (i)(3) of the FDI Act, 12 U.S.C. §§ 1818(e) and (i)(3), that: 1. Without the prior written approval of the Board of Governors and, where

necessary pursuant to section 8(e)(7)(B) of the FDI Act, 12 U.S.C. § 1818(e)(7)(B),

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another Federal financial institutions regulatory agency, DeLong is hereby and henceforth prohibited from: (a) participating in any manner in the conduct of the affairs of any

institution or agency specified in section 8(e)(7)(A) of the FDI Act, 12 U.S.C. § 1818(e)(7)(A), including, but not limited to, any insured depository institution or any holding company of an insured depository institution; (b) soliciting, procuring, transferring, attempting to transfer, voting or

attempting to vote any proxy, consent, or authorization with respect to any voting rights in any institution described in section 8(e)(7)(A) of the FDI Act, 12 U.S.C. § 1818(e)(7)(A); (c) violating any voting agreement previously approved by any

Federal banking agency; or (d) voting for a director, or serving or acting as an institution-affiliated

party, as defined in section 3(u) of the FDI Act, 12 U.S.C. § 1813(u), such as an officer, director or employee, in any institution described in section 8(e)(7)(A) of the FDI Act, 12 U.S.C. § 1818(e)(7)(A). 2. All communications regarding this Order shall be addressed to: (a) Mr. Timothy A. Bosch Vice President Federal Reserve Bank of St. Louis Banking Supervision and Regulation Division P.O. Box 442 St. Louis, Missouri 63166-0442 (b) Mr. Richard N. DeLong c/o Craig A. Smith, Esq. Posinelli Shalton Flanigan Suelthaus PC 7733 Forsyth Boulevard, 12th Floor St. Louis, MO 63105

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3.

Any violation of this Order shall separately subject DeLong to appropriate

civil or criminal penalties, or both, under sections 8(i) and (j) of the FDI Act, 12 U.S.C§§ 1818(i)and(j). 4. The provisions of this Order shall not bar, estop, or otherwise prevent the

Board of Governors, or any other Federal or state agency or department, from taking any other action affecting DeLong; provided, however, that the Board of Governors shall not take any further action against DeLong relating to the matters addressed by this Order based upon facts presently known by the Board of Governor. 5. Each provision of this Order shall remain fully effective and enforceable

until expressly stayed, modified, terminated, or suspended in writing by the Board of Governors.

By order of the Board of Governors of the Federal Reserve System, effective this 1st day ofAugust,2007.
Signed by Jennifer J. Johnson, Secretary of Board From Board of Governors of the Federal Reserve System

Signed by Richard N. DeLong

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